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How long does information stay on my credit report?

There are timeframes for how long different types of information may remain on your credit report.

  • Negative information, such as late payments or collections, stay on your credit report for approximately seven years, as do most other types of negative information, including paid tax liens. Bankruptcies and unpaid tax liens can stay on your credit report for up to 10 years.

 

  • Positive information generally remains on your credit report for a longer period of time. Credit accounts that you pay as agreed may stay on your credit report for up to 10 years from the last update we receive from the lender. Revolving credit accounts, such as a credit card, that have been paid as agreed, may stay on your credit report as long as you keep the account open.

When it comes to healthy behaviors involving your credit, regularly checking your credit report to ensure the accuracy of the information to confirm that negative information falls off after the appropriate amount of time is a good first step. You can order one free credit report from each of the three national consumer credit reporting agencies (CRAs) once a year by going to annualcreditreport.com.

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  1. Locking your Equifax credit file will prevent access to your Equifax credit file by certain third parties. Locking your Equifax credit file will not prevent access to your credit file at any other credit reporting agency. Entities that may still have access to your Equifax credit file include companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score or monitor your credit file report; federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.